Metro Bank Business Banking Review

Metro Bank is a challenger brand that debuted in 2010 with a plan to shake up the UK market. Unlike other new online-only banks, Metro Bank opened numerous branches and provides in-person support for 12 hours per day. In addition, it offers a number of business bank accounts - but how successful has the brand been in terms of customer satisfaction?

We've taken a look at Metro Bank's online reputation by comparing some of the leading review sites on the internet. This will give you an overview of how customers perceive the challenger bank and its mixed branch/digital approach. However, some review sites take reviews from both personal account and business account customers, so those looking specifically for Metro Bank's business offering should bear that in mind.

Review Comparison

Review Website Rating Notes
Smart Money People 4.6/5 Metro Bank has glowing reviews on this site - with an average of 4.8 over 438 user reviews. Most people praise the user-friendliness of the sign-up and the high standard of customer service.
Trustpilot 2.1/5 Almost all mainstream banks hold low rankings on TrustPilot. This may be due to the nature of the platform, as many users feel it is a good way to air complaints. The majority of issues seem to stem from long waits and issues around account closures. 2.38/5 users are generally negative about the bank - with just 33% of reviewers actively recommending it. One recent business customer noted that the new website was confusing and difficult to use.
Finder 4.5/5* Finder usually offers a score based on user reviews, but Metro Bank has not yet had any customer reviews on that platform. Instead, Finder itself scores them 4 out of 5 and gives them a customer rating of 4.5 out of 5 due to a customer survey.
Which 78% With a 78% score and 4 out of 5 for customer satisfaction, Metro Bank sits above many more established banks in this Which? Ranking.

Updated: January 2022

*This score is from Finder's own customer satisfaction survey as opposed to a mass user review aggregate platform such as TrustPilot.

About Metro Bank Business Banking

Metro Bank is one of the only challenger banks to have branches - with each one open 7 days a week for up to 12 hours a day. This allows the bank to be proactive on customer service issues - with customers able to choose how they want to access support.

Pros & Cons


  • UK-licensed bank with FSCS protection up to £85,000.
  • Digital banking with innovative features PLUS in-branch support.
  • No monthly fee for all business accounts.


  • Fees can be complex.
  • No interest offered on balances.
  • Mixed reviews for customer support.

Metro Business Bank Account Information

Metro Bank's business account offering is split into three key areas:

  • Community Account for non-profits. Free monthly fees, £0.20 bank transfer fee and arranged overdraft.
  • Business Accounts for businesses with up to £2m in turnover. No monthly fee if your balance is at £5000 or above, £5 per month otherwise.
  • Commercial Account for businesses with a turnover of more than £2m - no monthly fee and dedicated support.


Metro Bank has a more dynamic offering than many traditional banks - and a better reputation to boot. While personal account reviews through platforms like TrustPilot are low, many business-specific reviews seem more favourable. However, with a monthly charge for anyone running a business with a balance of less than £5000 in a month, and a lack of branches in the North of England, Metro Bank will only appeal to select customers.